Namų ūkių kreditavimo analizė

Kasčiukaitė, Deimantė

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dc.contributor.author	Kasčiukaitė, Deimantė
dc.date.accessioned	2019-07-11T10:20:22Z
dc.date.available	2019-07-11T10:20:22Z
dc.date.issued	2019-06-12
dc.identifier.uri	http://dspace.kaunokolegija.lt//handle/123456789/1799
dc.description	The sources of various authors about mortgage are analized and systematized in the professional bachelor’s final paper work. The possibilities of mortgage in Lithuanian banks are investigated in this paper work. The main task of this paper work is to investigate the meaning of credit, the stance of mortgage in the country and the conditions that are supplied for the households by Lithuanian commercial banks. In the practical work there are analized the financial data and it’s dynamics of different types of households, also compared AB „SEB bank“, „LUMINOR BANK AS“ and AB „SWEDBANK“ banks’ standard of households’ credit rate. I have chosen this topic purposely, by evaluating it’s importance, while the development of credit’s usage is constantly increasing. This is the reason that this topic should be analized widely, so that the level of credit risk could constantly decrease. The object of paper work: The household‘s financing. The issue of paper work: The mortgage highly influences the economy of the country, because the citizens are contributing to the development of goods and services by spending their money. A credit used responsibly makes economic relations more simple and effective, but the number of insolvent households remains high. For the credit institutions the credit risk and the probability of being insolvent remains, which decreases the economy of the country and it’s citizens. The purpose of paper work: After researching the process of household‘s financing and household‘s financial condition analyze the structure of loan budget content and prepare a comparative analysis of chosen financial institutions‘ provided conditions. The main questions of investigation: 1. What are the main requirements and conditions for mortgage? 2. What is the financial stance of households and it’s debts for credit institutions? 3. Which credit institution provides the best conditions for the credit recipient? The tasks of the paper work: 1. To theoretically substantiate household‘s financing. 2. To submit the review of household’s financial stance and debts for Lithuanian credit institutions 3. To provide household‘s loan budget content analysis. 4. To accomplish the comparative analysis of AB „SEB BANK“, AB „SWEDBANK“ and „LUMINOR BANK AS“ bank‘s mortgage. The methods of paper work: The analysis of academic literature, generalization, systematization, comparison and statistical methods are used for the investigation. The works of lithuanian and foreign authors’ and lithuanian commercial banks’ data have also been analized. The results: After analyzing loan basics and market influences, financial qualities and total debt to Lithuanian credit organizations, deduction can be made that the major problems in this market are: insufficiency of financial education of credit receivers; insufficient evaluation made by Lithuanian financial institutions of credit receivers; underestimation of risks caused by bad debts; the fact that majority of credit is being issued for secondary requirements to be fulfilled. Household debt in the given time frame is high and has tendency to grow. Irresponsible borrowing is observed.	en
dc.description.abstract	Profesinio bakalauro baigiamajame darbe išanalizuoti ir susisteminti įvairių autorių šaltiniai namų ūkių kredito tema. Šiame darbe nagrinėjamos namų ūkių kreditavimo galimybės Lietuvos komerciniuose bankuose. Pagrindinė šio darbo užduotis buvo – ištirti kredito reikšmingumą, namų ūkių kredito padėtį šalyje, kokiomis sąlygomis didieji Lietuvos komerciniai bankai siūlo savo paslaugas namų ūkiams. Praktinėje dalyje išanalizuoti skirtingų tipų namų ūkių finansiniai duomenys ir jų dinamika, taip pat palyginti AB „SEB bank“, „LUMINOR BANK AS“ ir AB „SWEDBANK“ bankų namų ūkių kreditavimo standartai.	en_US
dc.language.iso	other	en_US
dc.subject	Namų ūkių kreditas, paskolų portfelis, šalies namų ūkių įsiskolinimas	en_US
dc.title	Namų ūkių kreditavimo analizė	en_US
dc.title.alternative	Research of Household Credit	en_US
dc.type	Other	en_US